STIBO
ActiveSTIBO has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €-14k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 30% of 479 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-8
Solvency51▼-5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.71 in 2024; short-term debt: 69.8% and cash: 9.2% of total assets), and 73.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
46 d late
2023
61 d late
2022
31 d late
2021
29 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€2.16M
EBIT margin
1.0%
Net result
€-14k
2024 · €38k
2018: €6k
2019: €1k
2020: €-72k
2021: €-16k
2022: €-37k
2023: €114k
2024: €38k
2018 → 2025
Working capital
€-175k▼ 20.4%
2024 · €-145k
2018: €-259k
2019: €-204k
2020: €-252k
2021: €-188k
2022: €-276k
2023: €-166k
2024: €-145k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€80k▼ 31.5%€194k▲ 143%€232k▲ 19.4%€218k▼ 6.1%
Operating result€-3k-€-32k▼ 842%€129k€64k▼ 50.8%€-11k
Net result€-16k-€-37k▼ 123%€114k€38k▼ 67.0%€-14k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €64k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €827k
Fixed assets
€425k▲ 7.0%
Current assets
€403k▲ 16.0%
Equity and liabilities €827k
Equity
€218k▼ 6.1%
Provisions
€167▼ 10.0%
Debt
€610k▲ 19.0%
The debt ratio rises from 68.8% to 73.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€93k▼
2024 · €168k
Cash flow
€89k▼
2024 · €142k
Solvency
26.3%▼
2024 · 31.1%
Current ratio
0.70▼
2024 · 0.71
Quick ratio
0.70▼
2024 · 0.71
Debt / equity
2.80▲
2024 · 2.21
ROE
-6.4%▼
2024 · 16.2%
ROA
-1.7%▼
2024 · 5.1%
Interest coverage
26.56▼
2024 · 43.36
Debt
€610k▲
2024 · €512k
Debt ≤ 1 year
€578k▲
2024 · €492k
Debt > 1 year
€32k▲
2024 · €20k
Income taxes
€536▼
2024 · €22k
Staff costs
€741k▲
2024 · €708k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€744k€827k▲
Fixed assets21/28€397k€425k▲
Tangible fixed assets22/27€397k€425k▲
Land and buildings22€33k€39k▲
Plant, machinery and equipment23€206k€164k▼
Furniture and vehicles24€45k€131k▲
Leasing and similar rights25€113k€91k▼
Current assets29/58€347k€403k▲
Amounts receivable within one year40/41€301k€305k▲
Trade receivables40€301k€305k▲
Other amounts receivable41€474€415▼
Cash at bank and in hand54/58€25k€76k▲
Deferred charges and accrued income490/1€20k€22k▲
Equity and liabilities
Total equity and liabilities10/49€744k€827k▲
Equity10/15€232k€218k▼
Contributions10/11€72k€72k=
Capital10€72k€72k=
Issued capital100€72k€72k=
Reserves13€160k€160k=
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Tax-exempt reserves132€559€503▼
Distributable reserves133€151k€151k=
Profit (loss) carried forward14-€-14k
Provisions and deferred taxes16€186€167▼
Deferred taxes168€186€167▼
Amounts payable17/49€512k€610k▲
Amounts payable after more than one year17€20k€32k▲
Financial debts170/4€20k€32k▲
Amounts payable within one year42/48€492k€578k▲
Current portion of amounts payable after more than one year42€78k€75k▼
Trade debts44€229k€235k▲
Suppliers440/4€229k€235k▲
Taxes, remuneration and social security45€114k€155k▲
Taxes450/3€95k€108k▲
Remuneration and social security454/9€19k€46k▲
Other amounts payable47/48€72k€113k▲
Income statement
Code20242025
Non-recurring operating income76A€3k€5k▲
Remuneration, social security and pensions62€708k€741k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104k€103k▼
Other operating charges640/8€10k€8k▼
Non-recurring operating charges66A€1k€203▼
Gross operating margin9900€887k€842k▼
Operating profit (loss)9901€64k€-11k▼
Financial income75/76B€220€656▲
Recurring financial income75€220€656▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€60k€-13k▼
Transfer from deferred taxes780€19€19=
Income taxes67/77€22k€536▼
Profit (loss) for the period9904€38k€-14k▼
Transfer from tax-exempt reserves789€56€56=
Profit (loss) for the period to be appropriated9905€38k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€-14k▼
Transfer to equity691/2€38k-
To other reserves6921€38k-
Social balance
Average headcount (FTE)908719.818.9▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 24 days late
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 46 days late
2024
31-12
Financial
Equity above €200kEq €232k ▲19.4%
2 profitable years in a row build equity to €232k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Back to profitnet €114k
Net result €114k after 3 loss-making years.
31-12
Financial
Equity above €150kEq €194k ▲143%
Equity rises from €80k to €194k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-72k ▼5752%
Net result drops to €-72k, the lowest in the series; recovery starts the following year.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 88 days late
2019
19-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 111 days late
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 63 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zoutleeuw · 1 establishment unit since 2000
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Dorpsstraat 563440 ZoutleeuwGround area
621 m²
Building footprint
168 m²
Volume, LiDAR
929 m³
Parcel 24036D0350/00V000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dorpsstraat 56, 3440 Zoutleeuw
since 20002.097.365.771
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24036D0350/00V000 | Flanders | 621 m² | 1 · 168 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 225 EUR awarded · 225 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 225 EUR | 225 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteZoutleeuw2.097.365.771
Similar companies · same sector, comparable size
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DEBORRE T & D
BE 0811.881.486
Tongeren-Borgloon · Eq €221k
GREEN GARDEN HASPENGOUW
BE 0860.606.071
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RTM KOELING
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Geetbets · Eq €225k
Of 1,345 companies in sector 01240 we hold annual accounts for 321. 266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-03-2000
Fiscal year end31-12
Activities, NACEBEL
01240Growing of pome and stone fruits
01410Raising of dairy cattle
01610Support activities for crop production
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
51310
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.